Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true (safe read) and idempotentHint=false, so the safety profile is covered. The description adds value by disclosing the returned content categories, including historical deposit/withdraw data, but says nothing about data freshness, history depth, or address-resolution behavior for external chains.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.